Introducing Chip Technology for Baker Boyer

Get big protection in a tiny chip

Baker Boyer Visa® Debit Cards now come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. Your new card is not only more secure – it’s also easy to use. Here’s what you can look forward to as a cardholder.

Global acceptance.

More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa Debit Cards are accepted.

Easy to use.

Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and follow the prompts. See detailed steps to the right.

Enhanced fraud protection.

When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Keep in mind, you can continue to use your chip card online and over the phone … the same way you do today. Plus get cash, check your balance and more at millions of ATMs worldwide.



Frequently Asked Questions

  • Why does my new debit card look different?

    Baker Boyer is pleased to announce that your new debit card features our new logo and brand colors as well as chip technology. As part of the change in design, you’ll notice a sleek new look with non-embossed characters. Your name and numbers will now be digitally printed directly on your card.

  • When can I expect to receive a debit card with chip technology?

    If you don’t have a debit card with chip technology today, you’ll receive one when your old card expires or needs to be reissued. Until then, use your standard card with the magnetic stripe.

    You can also visit your local Baker Boyer branch to order one today.

  • How do I activate my new debit card?

    You may activate your new debit card at any ATM as well as through Online Banking and the Mobile Banking app.

    • To activate at an ATM, complete any transaction such as checking your balance or making a withdrawal
    • Activate through Online Banking under the Personal Options tab
    • Activate through the Mobile Banking app in the Manage Cards section
  • How do I change my PIN?

    If you would like to reset your new PIN, you may opt to do this at any Baker Boyer operated ATM after your new card has been activated (see above).

    1. Follow the ATM prompt to scan your card
    2. Use the key pad to enter your Personal Identification Number (PIN)
      • Your PIN will be the code that was mailed separate from your new Debit Card
      • Or, if your card is not new, use your current PIN
    3. Select the prompt for PIN Change
    4. Enter in your new PIN
    5. Complete your transaction
  • Will my chip debit card work at all ATMs?

    Yes, your card will work at both a chip-enabled ATM and at ATMs where only magnetic stripe transactions are accepted.

    1. Insert your card face-up in the ATM to begin your transaction.
    2. Follow the on-screen instructions (chip-enabled ATMs will hold your card during the transaction).
    3. Take your card when prompted.
  • Why does my Baker Boyer debit card now include a chip?

    As chip technology will soon become the security standard in the U.S., many merchants are beginning to accept chip cards and we want you to be ready. You’ll enjoy greater security when making purchases at a chip-enabled terminal since the chip provides better protection against counterfeit fraud.

  • Do I need to enter a PIN?

    When paying with a chip-enabled Baker Boyer debit card, you may be prompted to enter a PIN or you may be prompted to sign for your purchase instead.

  • Will chip technology change the way I pay online or over the phone?

    No. For transactions made over the phone or online, nothing changes.

  • Do I still need to notify the bank before I travel internationally?

    We require that you set a travel notice on any card(s) you plan to use while traveling, to help prevent interruption. To set a travel notice, call us at (509) 525-2000. For your protection, we’ll continue to monitor card activity even when a travel notice is set. If you encounter any issues while traveling, we’re here to help. Visit our Resources page at for further Tips for Protecting Your Accounts While Traveling Outside the U.S.

  • What is a chip-enabled card?

    A chip-enabled card features a traditional magnetic stripe as well as an embedded microchip that provides an extra layer of protection against fraud. The chip encrypts information to help increase data security when making transactions at terminals or ATMs that are chip-enabled. Plus it provides a convenient and secure way to make purchases when traveling outside the U.S.

  • Where can I use my chip card?

    Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you’ll enjoy greater acceptance when traveling internationally. We believe that the migration to chip technology will make a significant difference in the security of the U.S. payment system overall by addressing the largest point-of-sale fraud category – counterfeit card fraud. Your chip card will still work at terminals and ATMs where only magnetic stripe transactions are accepted.

  • What does a chip-enabled terminal look like?

    Chip-enabled terminals have all of the payment terminal features you are used to, with the addition of a slot to insert your card. The slot is typically located at the bottom or top of the payment terminal.

  • Are chip cards secure?

    While magnetic stripe cards are still considered secure, chip technology is the next step to providing enhanced security to our customers. Whether you use the magnetic stripe or the chip to make your purchase, you can have confidence in the protection and security features we provide for all debit card accounts.

    Remember, if you notice any suspicious activity on your account, notify us immediately by calling the number on the back of your card.

  • How is a chip-enabled card more secure?

    Chip card transactions offer you advanced security for in-store payments by making every transaction unique. Whenever you check out at a chip-enabled terminal, a unique one-time code is created that is required for your transaction to be approved. This code is nearly impossible for counterfeit cards to duplicate. If the card data and the one-time code are stolen, the information cannot be used to create counterfeit cards and commit fraud.

  • Will chip cards prevent third-party data breaches?

    Chip card technology provides an additional layer of security when used at a chip-enabled terminal. The technology may help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.

  • Will chip cards prevent all fraud from happening?

    No. As the industry continues to develop new ways to protect consumers, perpetrators continue to look for new ways to commit fraud. Chip cards provide an additional layer of security at chip-enabled terminals, on top of the fraud prevention monitoring we currently provide. Though, internet usage of debit cards will continue to be a threat and we ask all of our clients to remain vigilant.

  • Are there any situations where I could experience issues using by chip debit card?

    When traveling outside the U.S., some card readers at unattended terminals (such as public transportation kiosks, gas pumps) will require a PIN. In these situations, enter your debit card PIN. Some international self-service terminals do not accept U.S. issued debit cards and may display a message such as “Transaction Canceled”. This is known to happen on French Toll Roads or Automated Fuel Dispensers depending on location. In these cases, please locate an attended terminal to complete your transaction, or plan for an alternative payment method, such as local currency.

  • What should I do if I’m not able to select either ‘debit’ or ‘credit’ to verify my transaction, or request cash back when using a chip debit card?

    Once you insert your chip debit card in to the terminal, you’ll be prompted to either enter your PIN (debit) or provide your signature (credit) to verify your transaction.

    • Both ways are secure and help protect you from counterfeit fraud. The transaction is processed the same way and funds are taken directly from your checking account.
    • If the merchant won’t allow you to enter your PIN (debit), you will not be able to request cash back. In this case, you may either locate a Baker Boyer ATM to withdraw cash or try a different merchant.
  • Are there any situations where my chip debit card may not work when inserted into the chip terminal?

    Yes, during this transition, you may encounter the following situations:

    • The chip terminal is installed, but not turned on. Some merchants are not yet allowing any chip cards to be inserted. This will occur frequently in the short-term while terminals are becoming chip-enabled. If you insert your chip debit card and nothing happens, please swipe your card to complete your transaction.
    • The chip terminal is turned on for chip credit cards only. Some merchants are only allowing chip credit cards to be inserted and plan to allow chip debit cards at a later date. If you insert your chip debit card and nothing happens, please swipe your card and complete your transaction. This does not mean there is anything wrong with the chip on your card.

    You may always choose to swipe your card first, and if the merchant accepts chip debit cards, you’ll be instructed to insert your card into the terminal.

  • Are there any additional fees associated with chip debit cards?

    There is no additional cost to have or to use your new card with smart chip technology. However, there are fees for each requested replacement of a debit card that may still apply. The replacement fee does not apply when we replace a card upon its expiration. Please refer to your Statement of Fees for more details.